Terms And Conditions For “winsomethingextra” Giveaway

(“Radio Promotion Gagasi FM- KZN”)

General Definitions

1. For the purposes of these Terms and Conditions, “CAPFIN” shall mean Southern View SA (Pty) Ltd t/a CAPFIN (Registration number: 2011/126985/07) and, where necessary, any associated company within the Capfin and Pepkor Groups;   

2. “GAGASI FM” shall mean Gagasi FM, a South African broadcasting station owned by MRC Management Services (Registration number: 1997/006698/07);

3. “Confirmed Entrant(s)” shall mean any person who scans of their personal documents instore to check how much they may qualify for, at any Ackermans in Kwazulu Natal only;

4. “Personal Documents shall mean South African Identification document , last 3 (three) most recent bank statements and latest payslip ;

5. “Prize means a monetary award, to the value of R10 000.00 (Ten Thousand Rand) each, the determination and allocation of which will be at the sole discretion of CAPFIN;

6.Winners means the recipient of the Prize awarded to a Confirmed Entrant(s), following a selection thereof by CAPFIN, whose decision(s) shall be at all times final.

7. The above general definitions shall apply herein and in all correspondence relating to this Promotion save where expressly altered or the context indicates otherwise;



8. This Promotion is available to all Confirmed Entrant(s) who enter by means of scanning of their personal documents instore to check how much they qualify for, at any Ackermans in Kwazulu Natal only;

9. Scanning of personal documents to check how much you qualify for, automatically guarantees entry into the prize draws, and CAPFIN reserve the right to scrutinise and vet the authenticity of the information provided;

10. Only entrants who do not have a current Capfin loan at the time of scanning their personal documents will be eligible for the prize draw.

11. Only Confirmed Entrant(s) will be included in the prize draw;

12. Entry will be confirmed by SMS communication to the Confirmed Entrant(s);

13. By means of their participation in this Promotion, Confirmed Entrant(s) acknowledge that no payment is required for such entry and a CAPFIN Loan is in no way a requirement for entry into the Promotion. CAPFIN merely requires the submission of valid personal documents from all entrants;

14. By sharing your South African ID number, all Entrants consent to the use of their personal data by CAPFIN and Gagasi FM for the purposes of the administration of this Promotion and any other purposes including this Promotion and any other reasonable promotional obligations and un-associated marketing campaigns;

15. Entrants must be 18 years of age or older,  a citizen of the Republic of South Africa and have a valid banking account to enter this Promotion and qualify for the prize;

16. All CAPFIN, Ackermans and Gagasi FM’s employees will not be eligible to enter this competition.


Period of Promotion

17. This Promotion is valid from the 17th July 2017 until the date of the final draw on 10th August 2017.


18. Due to the requirement of scrutinising the validity of entries, a Confirmed Entrant’s entry will only be valid until Final draw dates as per paragraph 22 below.


The Prizes

19. Confirmed Entrants selected to be winner(s) in the prize draw will receive a pre-designated monetary prize (“prize”), in the amount of R10 000.00 (Ten Thousand Rand), decided upon at the sole discretion of CAPFIN, which amount will be paid to the winner(s) by Gagasi FM on or before the 25th August 2017 subject to clauses 21 and 23 below. The prize shall be paid directly into the winner’s banking account following confirmation of the validity thereof provided by the winner. In addition CAPFIN will not be liable for any charges or tax associated with the payment of the prize amount, and CAPFIN hereby confirms that no prize will be paid out in physical cash or in any other means other than by direct deposit into a valid nominated South African bank account;


20. Prizes are paid out by means of electronic direct deposit in South African Rand only;


21. Any delay(s) with prize pay outs will be attributed to the late submission of personal information provided by the Winner(s).


22. The winner(s) draw(s) will take place on 1st, 3rd, 8th and 10th of August 2017.


23. Winners will be announced on air at Gagasi FM on 2nd, 4th and 9th of August 2017 with the final announcement on the 11th of August 2017 or such reasonable time and date thereafter circumstances depending.  


Process of selection

24. Upon inclusion of the details of all Confirmed Entrants on a list, a designated Capfin employee will select winners by means of an automated Microsoft Excel formula for randomisation once a day, where after a list of the selected winners will then be transmitted in a protected electronic format by email to Gagasi FM to confirm;

25. Gagasi FM will then make the necessary telephone calls on-air to the selected confirmed winners;


26. The selected Confirmed Winners must be available at the time when called by Gagasi FM in order to claim their prize;


27.  Should Gagasi FM and CAPFIN not be able to make telephonic contact with the winner after 2 (two) attempts (meaning 2 individual calls to any cell phone number provided by the winner to CAPFIN), that winner’s right to the prize will be deemed to be waived and the prize will be forfeited. CAPFIN reserves the right to award the prize to the next randomly drawn Confirmed Entrant using the same computerized means.



28. The prize/s is in no way transferrable or substitutable for any other prize or money denomination;    


29. CAPFIN reserves the right to exclude any person from this Promotion and on reasonable grounds, in which instance CAPFIN’S decision will be final;


30. CAPFIN reserves the right to refuse to make a prize award, or to withhold the payment of any prize, to any winner regardless of the successful completion of the competition process who CAPFIN decides (in its sole discretion) has violated the terms and conditions of the Promotion, or who has participated herein using suspected fraudulent means or dishonest information;


31. Only one entry per Entrant is acceptable;



32. Confirmed Entrants in this Promotion consent by means of their participation that all information provided to CAPFIN and Gagasi FM, whether of a personal nature or otherwise, may be stored and processed on a secured database, which information may be used for future promotional activities by CAPFIN and its associated companies as well as Gagasi FM and they waive any claims to royalty rights or remuneration for such use;


33. No negotiations will be entered into as to the awarding of a prize or the contents of these terms and conditions, and at all times CAPFIN’S decision remains final and binding;   


34. CAPFIN directs all Confirmed Entrant’s attention to the Capfin website for any additional terms and conditions relating to this Promotion.


35. CAPFIN reserves the right to amend these terms and conditions from time to time, and at their sole discretion, should they be required to do so by any applicable law or regulatory body, and furthermore reserves the right to withdraw this Promotion entirely should it be required to do so by any law or regulatory body without liability attaching to CAPFIN for such action or the result thereof.